@CaFF and @midnight420 I've recently changed the way I make the bed to use a technique hotels use called "triple sheeting." Am surprised how much I like it.
What I've done is added a "decorative" top sheet instead of a comforter, with a lightweight cotton or fleece blanket between the middle and top sheets. The bed is layered as (1) bottom fitted sheet, (2) first flat sheet, (3) cotton or fleece blanket, (4) top decorative flat sheet.
Somehow this creates a lighter weight cover that is warm when you need warmth, but not too heavy. It's also super easy to make the bed, basically you can grab those top three pieces, flip them up toward the head of the bed, and then just straighten the edges and you're done.
@CaFF in thrift stores sometimes you can find awesome single flat sheets that would make a great top sheet to be used with this technique. There are some really nice Ralph Lauren, Nautica, Waverly, and other expensive brands of sheets that have terrific patterns and the weave, weight, and quality are outstanding. You can also mix and match florals and thin stripes, or stripes and gingham or other checks, in similar color families. There are a lot of options and it's very inexpensive to do using a set of sheets you already have as a place to start.
I did buy queen flat sheets to use as the top sheet on my full-size bed, just so they'd be sure to cover the middle sheet and the blanket.